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Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com.

Job Profile:

Senior Product Manager

Job Description Summary:

We are committed to providing a competitive and equitable total rewards package. The compensation for this role is designed to attract, retain, and motivate top talent.

The expected base salary range for this position is $150,000 to $170,000 annually.

Job Description:

Why Rate is the BEST Place to Work

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com.

What Makes Our Team Awesome

We are a gritty group of passionate technologists on a mission to dominate the mortgage world!

The Information Technology Team within Rate passionately and consistently puts our customers first. We are building the latest technology to help create the best mortgage experience on the planet and get your mortgage, your way, anytime, anywhere. Whether that is improving our digital mortgage platform, automating loan coordination and underwriting processes, or building out the latest marketing and customer engagement platform, we’re doing it all. We build high-performing, self-organized, cross-functional agile teams that operate with minimal hierarchy. Information Technology team members hold themselves and others accountable and live and breathe the tenets of autonomy, mastery, and purpose.

What’s the Role?

We are looking for a highly motivated Senior Product Manager to lead features that create increased engagement within the flagship consumer mobile app ‘The Rate App’, by enabling loyalty, membership, consumer direct value innovations ultimately resulting in higher growth, usage and cross-selling opportunities within the App.  

At Rate, we are changing the mortgage and consumer finance industry by building smart technology that reduces the stress of homeownership. The Rate App is a first-of-its-kind mobile ecosystem that blends financial tools with physical and mental fitness to improve overall user wellbeing.  

We want a Senior Product Manager to quickly understand the current ecosystem of products at Rate and enhance capabilities that can result in creating loyal long term engaging customers via Rate App engagement. 

This role will be responsible for researching, defining and owning detailed product requirements, roadmap priorities, partner integrations, new feature initiatives and oversee execution for some of the highest-impact initiatives within the consumer app. 

The ideal candidate combines fintech expertise, with very strong product owner management skills in building consumer-facing mobile apps. This person has experience in building membership, loyalty features, and a passion for solving complex challenges. Experience with UX design, Web technologies, APIs, and most important Mobile Native/Hybrid technologies / integrations is strongly preferred. 

Responsibilities

Agile Product Delivery 

• Own the Backlog: Drive agile product development ceremonies by writing high-quality user stories, defining precise acceptance criteria, and managing the JIRA backlog.  

• Developer Collaboration: Work embedded with engineering squads to unblock development, triage technical debt, and ensure accurate implementation of web and mobile tech stacks. 

• Sprint Execution: Lead sprint planning, daily stand-ups, and retrospectives to predictably ship high-impact features in a fast-paced environment. 

Consumer Mobile  App, UX 

• Enhance UX: Partner closely with Product Designers to create intuitive, delightful, and habit-forming mobile experiences that make complex financial concepts accessible to everyday users. 

• Mobile App lifecycle: Own the release, publishing, managing launch of mobile app releases to the various App stores. 

• Mobile Tech Stack: Understand the nuances of Web, Hybrid and Native technologies and best fit technology for various use cases and partner integrations.  

• OKR: Define and track Key Performance Indicators (KPIs) and OKRs, using deep data analytics and user experimentation to prove ROI on new features. 

 Partner Integrations, Landscape 

• Good understanding of various players within the industry that focus on membership, loyalty platforms, credit card white label platforms. 

• Experience with solutioning features using 3rd party partner integrations, white label solutions, customizations and configurations. 

• OKR: Define and track Key Performance Indicators (KPIs) and OKRs, using deep data analytics and user experimentation to prove ROI on new features. 

Qualifications

• Experience working in fintech, consumer mobile products. Preferred if you have worked long term on a consumer facing mobile app. 

• Good understanding of loyalty, membership, consumer engagement, and cross selling when it comes to consumer apps for financial and wellness industry. 

• Demonstrated experience defining product roadmaps and writing detailed business and functional requirements. 

• Exceptional analytical, problem-solving, and communication skills. 

• Proven ability to influence cross-functional stakeholders and drive organizational change. 

• Solid experience in working with Jira, User Stories, Kanban to own product releases, sprints. 

• Experience in mobile app technologies, attribution, analytical, experimental tools: Android, IOS, Mobile A/B testing tools, Firebase, Amplitude, Iterable and similar tools etc. 

Other Useful Details

Employee Type: Full-Time

Pay Range: annual pay + bonus and/or commissions

Location: Remote

Rate Companies is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other any other protected characteristic. #LI-Remote

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits;  well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources). 

Please click this link to learn more about our benefit offerings for Washington State: https://www.rate.com/careers/open-positions/disclosures

Additional Job Description Summary:

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State